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July 2014 Articles


Current Residential Magazine Cover

Inside Scotsman Guide’s residential edition, you’ll find all the tools that make our monthly, national magazine the leading resource for residential mortgage originators.

Our monthly departments include our award-winning Spotlight, which highlights a different state each month; columns from the Mortgage Bankers Association, RealtyTrac, Zillow and more; and in-depth looks at the news shaping the industry in our BackSpace feature.

Each month also brings you contributed articles from industry experts with information on how to stay compliant, build your business and excel in the mortgage industry.




From the Editor
By Raymond Fleischmann, editor, Scotsman Guide Media

Featured Top Originator: Dianne Crosby
Dianne Crosby, RPM Mortgage Inc., No. 13 Top Dollar Volume (2013)
By Victor Whitman, editor, Scotsman Guide Media

Q&A: Nikitra Bailey, Center for Responsible Lending
Nikitra Bailey, executive vice president, Center for Responsible Lending
By Raymond Fleischmann, editor, Scotsman Guide Media

Delinquency and foreclosure rates continue to improve
By David H. Stevens, president and CEO, Mortgage Bankers Association

Spotlight: New Jersey
By Victor Whitman, editor, Scotsman Guide Media

Detecting signs of vanishing shadow inventory
By Raymond Fleischmann, editor, Scotsman Guide Media




The Refinance Market Isn't Dead Yet
Five strategies can keep your refinances alive and well during this year and beyond
By Tim Lucas, editor,

Manicuring Your Message for Today's Homebuyers
The mortgage meltdown has changed how you should market to clients
By Kelly Guest, founder, Kelevision LTD

Is Private Capital Returning to the Market?
Higher guarantee fees and lower conforming limits may bring big changes
By Lisa M. Weaver, senior vice president of mortgage solutions, ISGN

Embrace the Right Tool for the Job
Rehabilitation loans can help homebuyers and investors turn around distressed properties
By Kevin Cloyd, president, Carrington Home Solutions LP

Weed Out Problem Loans With Appraisal QC
Appraisers are now subject to tighter quality-control standards from Fannie Mae
By Patrick Scott, Midwest regional director of sales, a la mode

Mortgage Brokers’ Competitive Advantage
Forging close customer relationships makes a difference in today’s purchase market
By Al Crisanty, vice president of national wholesale production, 360 Mortgage Group

Call It a Comeback
As nongovernment-backed loans reemerge, originators should offer a wide array of products
By Michael Mekler, mortgage adviser, Samuel Scott Financial Group

Courts Cast an Eye on Mortgage Lending
Take a closer look at recent trends in foreclosures and related litigation
By Brian Rich, partner, banking, lender liability and foreclosure group; and Noel Bishop, associate, banking, lender liability and foreclosure group, Halloran & Sage LLP

Ready to Employ “Back to Work” Loans?
The Federal Housing Administration recognizes extenuating circumstances
By Darrin Stobaugh, consultant

Beyond the Title
Improve compliance and staff management with a quality manual
By Donna Beinfeld, founder and president, Donnashi Enterprises Inc.

What Realtors Want
Follow these simple tips to improve your network and gain more referrals
By Robert S. Mahaffey, owner and president, 3rd Street Financial Corp.

Focus on Ethics and Best Practices
Originators should hold themselves to a high standard
By Brian Weide, branch manager, SunStar Mortgage Services

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